Nowadays, people uses hi-end graphic editor such as Photoshop, Firework, Corel, etc. However, unlike them I like to use simple graphic editor such as MS-Paint. I like the simple interface & I know I can make something worth to see using it.
Even though, I still need a better graphic editor to add the BG & to save them as JPEG. That can't be helped, saving to JPEG directly from MS-Paint deterioriates the quality badly.